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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $570,874 | $201,372+183.5% | $184,260+209.8% | $145,884+291.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 8.25% | 29.04%-20.8pp | 28.84%-20.6pp | 551.85%-543.6pp |
| Employer contribution / active EE | $37,125 | $7,024+428.6% | $6,427+477.6% | $4,662+696.3% |
| Participant deferral / active EE | $25,500 | $9,808+160.0% | $9,133+179.2% | $6,690+281.2% |
| Admin fee / account holder | $34,679 | $16,362+111.9% | $13,898+149.5% | $13,392+159.0% |